Calculate Systematic Withdrawal Plan (SWP) returns. See how long your investment lasts with regular withdrawals and how much corpus remains over time.
A Systematic Withdrawal Plan (SWP) is the retirement income engine and the complement to SIP. While SIP helps you build wealth, SWP helps you spend it sustainably. You invest a lump sum in a mutual fund and withdraw a fixed amount every month while the remaining corpus continues to grow.
Where
The key to a successful SWP is keeping your annual withdrawal below the "safe rate." For a portfolio earning 8% with 6% inflation, the safe withdrawal rate is roughly 3-4% of the initial corpus annually. Withdrawing more risks depleting the corpus before your time horizon ends.
Enter your corpus
Set the total lump sum amount you want to invest in the SWP.
Set monthly withdrawal
Choose how much you want to withdraw every month.
Configure return rate
Set expected annual return (6-10% for balanced/debt funds).
Check sustainability
See if your corpus survives the entire period or when it depletes.
Retirees
Generate a steady monthly income from your retirement corpus without selling everything.
FIRE achievers
Live off investments with a sustainable withdrawal plan.
Parents funding education
Systematic drawdown of a child's education fund over 4-5 years.
Sabbatical planners
Fund a career break with planned monthly withdrawals from savings.
SWP (Systematic Withdrawal Plan) is the reverse of SIP. Instead of investing monthly, you withdraw a fixed amount monthly from your mutual fund investment. The remaining corpus continues to earn returns.
SWP gives you control: you decide the withdrawal amount and frequency. Dividends are declared by the fund and are unpredictable. SWP is also more tax-efficient as only the capital gains portion is taxed, not the full withdrawal.
Only if your withdrawal rate is less than the return rate. If you withdraw more than the fund earns, the corpus will eventually deplete. A safe withdrawal rate is typically 3-4% annually of your total corpus.
Yes, but smartly. Each SWP withdrawal is treated as a partial redemption. Only the capital gains portion (not the full amount) is taxed. For equity funds held >1 year, LTCG above ₹1.25L is taxed at 12.5%.